Classification
Name the debt by consequence
Debt should be described by what it prevents: safe releases, reliable reporting, platform migration, conversion improvements, security posture, onboarding speed, or support resolution. This gives leadership a decision frame.
- Describe the workflow, team, or metric currently constrained.
- Estimate the risk of doing nothing in delivery, support, revenue, or trust terms.
- Identify whether the debt is architectural, data, dependency, test, security, or operational.
